1. After logging in to the popular version or the professional version, select "Card Management → Report Loss of Credit Card";

2. Call the credit card customer service hotline and select "2#" to enter the manual loss reporting card.

3. After logging in to mobile banking, select "Home → Credit Card", click the "Card" icon on the top right of the screen, and then select "Card Management → Card Loss Report";

4. After logging in to Pocket Life, select "My → Card Manager", select the card to report the loss, and click "Lightning Card Change → Card Lost".

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. [9]

check

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

How can I cancel my credit card if I lose it?

Question 1: I lost my credit card. How can I cancel it by calling customer service, providing my ID card and checking that the information is mine?

Question 2: How can I cancel my credit card if I lose it? Please call the hotline on the back of the credit card. After entering the manual, the customer service staff will verify it for you. I suggest you report the loss first.

Question 3: How to directly cancel the lost credit card? If you don't owe money, you can call the bank customer service or cancel online.

You can also take your ID card to the counter to cancel, and you must have no record of arrears. I used to have a lot of pig cards, but they are all gone. I just went to the counter and canceled.

Question 4: What are the risks of directly canceling the loss of credit cards? Did you apply for cancellation and successfully cancel it? This still needs to be confirmed by customer service (including whether there is overdraft before reporting the loss and whether the expenses incurred by reporting the loss have been settled). It takes 45 days to complete the cancellation after applying for cancellation. If so, the card account will be closed and there will be no risk.

It should be no problem to handle other banks' cards, as long as the credit report does not reflect that you have handled a lot of credit cards personally, hehe.

Question 5: How to cancel the lost CCB credit card? The cancellation method of bank credit card is as follows:

Telephone banking cancellation:

Credit cards can be cancelled by telephone banking. If the credit card can only be cancelled by phone on the premise that it can be cancelled, call the corresponding bank customer according to the prompt input and information to cancel the account.

Bank counter cancellation:

(1) Carry valid certificates, such as ID cards and credit cards.

(2) Get the reservation number from the bank and queue up.

(3) Explain to the service staff that you want to cancel the account, hand over the credit card to the bank staff and fill in the relevant application.

(4) Credit card cancellation is completed.

Precautions:

If the credit card is lost, you need to reissue a credit card first, then cancel the account, and the card fee is required to reissue the card;

Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.

Question 6: Can I cancel my credit card directly after reporting the loss? If the credit card is lost and cancelled directly without reporting the loss, there are still risks. The bank is also doing this for your safety.

If you are willing to risk thousands of dollars in order to save 100 yuan, you can call them again and tell them to cancel. Don't lose your card.

But for your own good, I suggest you report the loss quickly.

Question 7: How to cancel the credit card after losing it for several years? If you hold a China Merchants Bank credit card, the credit card is valid. Our credit card is valid for 3 years (American Express card is 5 years), which is displayed under the credit card number 16. For example, if the following number is 02/ 14-02/ 17, it means that the card was issued in February 20 14 and will expire at the end of February 20 17; If the following number is 02/ 17, it means it will expire at the end of February 20 17.

If you want to cancel, there is no time limit, you must use cancel. You can call the service hotline (fixed line dialing). The cardholder should directly enter the ID number and inquiry password, and then select "9" to enter the manual service. Please select # 3 to manually apply for account cancellation. 1. After the cancellation of the credit card, please cut off the magnetic stripe of the card and handle it properly. 2. After cancellation, you can still log in to the online bank to check the accounting information, and the original card can still receive repayment or refund. Please pay attention to whether the credit card debt has been paid off. If you want to use a credit card in the future, you can contact the customer service hotline to apply. 4. There is no handling fee for credit card cancellation, which will not affect the use of other unregistered cards.

Question 8: Can I cancel my credit card? I don't want it, what should I do? Cancel at the bank counter and bring your ID card.

Question 9: How can I cancel my new credit card? If it is not activated, there is no need to cancel. If it has been activated, calling the bank customer service after paying off the debt is to cancel the card.

Question 10: It doesn't matter how to cancel CCB's credit card if it is thrown away. Just use one of your ID cards and give it to your customer service, and they will find your other one. Generally, if you cancel your card, people will confirm with you whether your card is with you, because if you cancel it, you will be asked to cut it open and destroy it to prevent risks. If your card is thrown away, if it has not expired, people will advise you to report the loss (50 yuan will be charged for reporting the loss). If you insist on cancellation, people will let you take the risk of not cutting your card. If you are willing to take risks, people will cancel it for you. (In fact, it is said that there is a risk only because the card exemption is cancelled, and the risk is very small. )

How can I cancel my credit card if I lose it?

You can directly call the customer service phone of the issuing bank to transfer to manual service, and then apply to the customer service staff for card refund. If the credit card is accidentally lost, the customer is worried that it will be stolen if it is picked up by others. Therefore, if you want to cancel the card, you can directly call the customer service phone of the issuing bank to transfer to manual service, and then apply to the customer service staff for card cancellation. Of course, the customer must first ensure that there is no outstanding bill arrears or excessive overpayment in the card, otherwise it will not succeed.

In this regard, customers need to quickly pay off the bill arrears through personal online banking or mobile banking and credit card APP, transfer the overpaid part to other debit cards, and then apply for account cancellation. If too many bills can't be returned in a short time, the customer can contact the issuing bank to report the loss first, so that the card will be frozen, and even if it is found by others, the other party can't steal it. If you want to continue to use the card, you can apply for a loss report and reissue it. Customers can also temporarily report the loss first, look for a card at home and work, and when they find it, they can directly apply for cancellation and report the loss, and then continue to use this card.

You can cancel your credit card if you lose it, but there are risks. You'd better report the loss first. After a credit card is lost, you can't report the loss but cancel it, because if you apply for reporting the loss, the bank will report the loss to the international credit card organization, and then your credit card can't be traded online or offline. But if you cancel it directly, you won't take this step. In other words, if your credit card is reactivated one day, you can still use it, which creates a risk, and this risk is not the responsibility of the bank and you need to bear it yourself.

If you drop your wallet, which contains your ID card and credit card, if you just cancel your credit card without reporting the loss, someone else can activate your credit card with your ID card, and then he can use your credit card. But if you report the loss, even if others know your ID number or even have your ID card, others can't use this card to spend any more. So if you lose your credit card, you must report it first. To report the loss of a credit card, you can call the bank's customer service hotline, choose manual service to report the loss orally, or go to the bank counter to report the loss. However, oral loss reporting is generally not a formal loss reporting, and it is necessary to report the loss at the counter of the bank branch within 3 days. And bring your ID card.

You can apply for a replacement credit card after reporting the loss. If you can't find your credit card, you usually need to apply for a replacement card. You need to pay the replacement fee. There are two kinds of credit cards that need to be reissued. One is to reissue a new card, change the account number of the bank card and give you a new credit card. If you choose this card replacement method, you can get a new bank card on the spot when you go to the bank card replacement. The other is that you can choose not to change banks, that is, cancel your last card and apply for a new card of the same kind. In this case, it may take some time, usually 10 to 15 days. The day your new bank card arrives at the bank, the bank will call you to get it. It is also very convenient, and your other information will be consistent with the previous card.

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That's all about how to cancel the credit card when it's gone.